My job is a little dangerous, am I still insured?

What if I am in the military/work on an oil rig/a scaffolder/a magician’s assistant, does this invalidate my insurance?

The only specific occupation exclusion we have is for military service. If you die whilst on active duty (and this includes reserve / voluntary forces) then unfortunately you are not covered.

The other thing to bear in mind is that we have some exclusions related to dangerous stuff, so if your job includes any of these, then you also are not covered:

Diving

We’re concerned with the water variety (not the football type), and specifically related to you being 20m below the surface

Flying

If you are just a regular fare paying passenger, other than being dead, you’ll be fine. Any other flying is a problem.

Racing

Anything with an engine, or anything on an ocean. Stuff like pigeons, and anything with an egg and a spoon are all OK.

Climbing

Specifically up mountains, cliff-faces, rocks, and big buildings. Beds are not a problem, bunk-beds are the ones to watch.

Floating

The clue is usually in the name on this one, so anything with rapid or wild in it is bad news. Floating on air is classed as flying.

Jumping

From anything you don’t own, buildings, antennas, span (bridges), and earth (cliffs). It’s pretty base-ic. See what we did there?

in Life insurance
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